Research On The Financing Of Small And Micro Enterprises Under The Background Of Internet Finance

At present,small and micro enterprises play an important role in China's economic development,it not only promotes economic and employment growth,but also plays an important role in contributing taxes,increasing output and creating jobs.According to the data released by the State Administration for Industry and Commerce,the number of small and micro enterprises in China has exceeded 70 million.The sample survey by the National Bureau of Statistics shows that small and micro enterprises have contributed significantly to employment,and become the source of vitality for innovation and development.However,small and micro enterprises often face various problems in their growth,among which the financing difficulty has become a common problem restricting their normal growth.Relevant departments have adopted preferential policies to solve the financing problem,but the strength is limited,it is difficult to meet the tens of thousands of small micro enterprise's capital demand,it is not good for small and micro enterprise's long-term development.In recent years,the wide application of Internet has played an active role in the rapid development of China's Internet finance industry.Internet financial provide participants with more choices and opportunities,such as electric business enterprise of large data,P2 P network credit,financial operation and the raise,the traditional financial network innovation and electrical business innovation provides diversified financial services.Internet finance,with its low threshold,high efficiency and convenience,has become the main attraction for small and micro enterprises.Therefore,it is of great significance and value to study how small and micro enterprises can make use of Internet finance to get out of financial difficulties.Through consulting the National Bureau of Statistics,Internet Finance Association and other official website information and related literatures,relevant case analysis and summarizing the financing status,problems,the experiences and inspirations of small and micro enterprises under the background of Internet finance.This paper starts from the difficulty in financing of small and micro businesses and combined with the background of today's rapid development of Internet finance to make corresponding suggestions,in the small and micro enterprise financing mode and product selection,enterprise's own integrity construction,network security construction and other aspects.